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Debt advice

How do we help?
 
We help people get a handle on what they owe and work alongside them to make a realistic plan for repaying their debts.
 
Our free debt advice service can contact creditors on a person’s behalf to explore and negotiate options like repayment holidays and more realistic repayment plans.
 
We support people through the repayment process through regular reviews and ad hoc advice when needed. We aim to ensure people do not find themselves in debt again in future.
 
Our debt advice centres support people with debt ranging from a few thousand pounds to many tens of thousands of pounds. No matter the size of the debt, many of our clients are now successfully reducing their debt through managed repayment plans.
 
“I left that meeting, feeling relieved and lifted, no longer feeling I was a failure but understanding that I had tried my best to cope with a spiral of financial circumstances I had no control over, also that there was a way to see a future.” – Debt advice service user
 
What do we do?
 
We work with our clients and creditors in a number of ways:
 
  • Understanding the level and type of debt
  • Reviewing our clients’ financial situation to find ways to raise income and reduce expenditure
  • Developing and agreeing realistic repayment plans
  • Negotiating with creditors on behalf of our clients to freeze any existing interest payments and agree a mutually acceptable payment plan
  • Supporting our clients during the repayment process and renegotiating the plan should circumstances change
  • Providing money education to help change habits and minimise the chance of debt recurring in future
 
Luton
01582 343699
 
Dunstable
01582 343680  
 
Bedford
01234 21774   
 
Peterborough
01733 307747
 
Birmingham
0121 206 2770
 
Bolton South
01204 282075
 
Plymouth
01752 963089
 
Edinburgh Gorgie
0131 297 7585
 
Falkirk
01342 617163
 
Stirling
01786 606035
 
Edinburgh City
0131 528 6351
 
Perth 
01738 870023
 
Granton
0131 528 6336
 
K's story: escaping "a financial debt quicksand"
 
A spiral of events left K with growing credit card debt and a mortgage payment she couldn't afford. At her lowest, a friend gave her the leaflet for The Salvation Army's Debt Advice leaflet and K began her life-changing journey.
 
“I was a fiercely independent, financially stable, outgoing, single woman who was proud of my mortgaged house and life style. I even had a little nest egg set aside for those little emergencies.
 
“A spiral of events sent me into financial debt quicksand that I ended up having no control of or hope of getting out of debt. No pay rise for five years, the gas boiler had to be replaced, my car broke down and had to be replaced, and my journey to work went from £125 to £250 a month due to petrol costs and enforced job relocation.
 
“With bills to pay, food to buy and growing petrol costs I got to a point where I had to live off my credit cards. This escalated until I could no longer get interest free rates and the repayments grew each month.
 
“I cut back on everything but sunk to an all-time low knowing that I didn't have the money for my mortgage the next month.
 
“A friend gave me the Salvation Army Debt Advice leaflet and the rest is history. I went and met Tracey, was treated with total respect and understanding, immediately given advice and support both emotionally and review of my finances. The ongoing emotional support has been amazing.
 
“I left that meeting, feeling relieved and lifted, no longer feeling I was a failure but understanding that I had tried my best to cope with a spiral of financial circumstances I had no control over, also that there was a way to see a future.
 
“I have a long way to go, but I am making payments as agreed to all companies and now see the possibility of being debt free."